Rep. Andrew Ogles

This joint resolution nullifies the final rule issued by the Consumer Financial Protection Bureau titled Overdraft Lending: Very Large Financial Institutions and published on December 30, 2024. The rule revises provisions regarding charges for insufficient funds in a customer’s bank account (i.e., overdrafts) at very large financial institutions. Under the rule, these institutions must (1) cap overdraft charges at $5; (2) with justification, cap charges at a higher amount; or (3) handle overdrafts as credit and comply with applicable Truth in Lending Act disclosure requirements.

Maddy summaryThis bill gives the Treasury Secretary authority to identify foreign financial institutions or transactions as primary money laundering concerns for fentanyl trafficking, requiring U.S. domestic financial institutions to implement specific anti-money laundering measures. It mandates updated advisories for banks to identify Chinese professional money laundering schemes facilitating fentanyl trafficking, incorporating three existing financial crime advisories. The bill also requires the Financial Crimes Enforcement Network to issue guidance for reporting suspicious transactions linked to transnational criminal organizations trafficking narcotics. These provisions directly affect U.S. banks and financial agencies by imposing new reporting obligations and compliance requirements related to fentanyl-related money laundering.

Maddy summaryHRES 229 is a formal House resolution impeaching Chief Judge James E. Boasberg of the U.S. District Court for the District of Columbia. It accuses him of abusing judicial power by interfering with President Trump's enforcement of immigration policies under the Alien Enemies Act, specifically blocking efforts to remove aliens linked to the Tren de Aragua terrorist group and ordering planes to turn around midair. The resolution claims these actions violated separation of powers by second-guessing the President's constitutional authority without judicial authority. This is a procedural impeachment resolution pending Senate action, not a law affecting the public.

Maddy summaryHR 2218 (Stop CARB Act of 2025) would block California from enforcing its own emissions standards for construction equipment, farm machinery, and locomotives by repealing federal provisions that allow states to set stricter rules. It specifically repeals Section 177 of the Clean Air Act, which authorizes California’s vehicle standards, and invalidates all existing waivers permitting California’s regulations (including those for nonroad engines) upon enactment. The bill also denies any pending waiver applications and removes references to California’s standards from other Clean Air Act sections. This directly affects California’s regulatory authority over emissions for these specific equipment types and vehicle categories.

Maddy summaryHR 2202 prohibits federal funds from being used for gender transition procedures or health plans covering them in federal programs like Medicaid and the Affordable Care Act. It does not ban these procedures but restricts federal subsidies, requiring individuals to pay for such coverage using non-federal funds (e.g., out-of-pocket or private insurance not tied to federal programs). The bill defines gender transition procedures broadly to include hormonal treatments and surgeries (e.g., mastectomy, hysterectomy), with exceptions for medically necessary treatments related to disorders of sex development or complications from such procedures. It also clarifies that ACA premium tax credits and cost-sharing reductions cannot apply to plans covering these procedures, though separate non-federal-funded coverage remains an option.

Maddy summaryHRES 224 is a symbolic resolution (not a binding bill) expressing support for recognizing "Detransition Awareness Day." It urges the development of policies ensuring mental health services for people experiencing discomfort with their sex, advocating for informed consent processes about gender-affirming medical procedures, and extending medical malpractice statute of limitations. The resolution also calls for removing damage caps in malpractice claims related to such procedures and requests the Department of Health and Human Services review care guidelines. It has no legal effect but aims to foster public understanding of detransition experiences and promote ethical medical standards.

Maddy summaryThe Stop CCP VISAs Act of 2025 would prohibit U.S. visas for Chinese citizens seeking to study or conduct research in the United States. It specifically blocks the issuance of F-1 (academic student), J-1 (exchange visitor), and M-1 (vocational student) visas for these purposes. This bill directly affects Chinese nationals who otherwise qualify for these student visa categories at U.S. educational institutions. The policy change would amend immigration law to implement this visa ban.

Maddy summaryThe FOCA Act of 2025 prohibits federal agencies from requiring or banning contractors from using union agreements in construction project bids or contracts. It directly affects federal agencies, contractors, and subcontractors working on federally funded or assisted construction projects (like buildings or infrastructure). The law requires bid documents to not favor or penalize contractors based on whether they have union agreements, aiming to promote open competition and prevent discrimination. This changes how agencies structure bids but does not affect union agreements themselves. The bill applies to all new contracts and subcontracts after enactment, with limited exemptions only for public health/safety emergencies or national security.

Maddy summaryHR 2155, the "Saving Privacy Act," strengthens financial privacy protections by requiring government agencies to obtain search warrants before accessing financial records, repealing certain reporting requirements for payment networks, and prohibiting the creation of a central bank digital currency. The bill directly affects financial institutions, government agencies, and individuals by limiting how government can access financial data and restricting how agencies can handle digital currency. Key provisions include terminating the Consolidated Audit Trail within 30 days, requiring congressional approval for major agency regulations, and protecting the use of virtual currency for personal purchases. The bill also establishes new criminal penalties for unauthorized access to financial records and increases the threshold for reporting third-party payment transactions.

Maddy summaryHR 2113, the America Supports Taiwan Act, requires all U.S. federal agencies to replace the term "Chinese Taipei" with "Taiwan" in official communications and agency websites, effective within 14 days of enactment. This change applies broadly to all agency materials, except when explaining historical context of China's pressure on Taiwan or when coordinating with international organizations that use a different name for Taiwan. The bill aims to avoid the connotation that Taiwan is part of China, as the "Chinese Taipei" term may imply PRC sovereignty. It does not alter U.S. military or economic support for Taiwan but focuses solely on official U.S. government terminology. The legislation is driven by findings of increased Chinese military activity near Taiwan and a preference for terminology that aligns with U.S. policy supporting Taiwan's self-defense capability.